Mortgage tools
Loan to value (LTV) calculator
Yes, you can work out your loan to value in a few seconds. Enter the property value and your deposit below, and this tool shows your LTV, the lending band it falls in, and how much more deposit would move you into the band below.
Loan to value is simply the loan measured against the property value, written as a percentage. It matters because lenders price and set their criteria in bands, so dropping under the next band down can widen the lenders open to you and improve the rate. This calculator shows where you sit and what it would take to step down a band.
We work out the loan as the property value minus your deposit.
Your result
| Loan amount | |
|---|---|
| Deposit | |
| Lending band | |
| To reach the band below |
LTV is your loan as a share of the property value.
Lenders price in bands, so a slightly larger deposit that tips you into a lower band can open up more lenders and a sharper rate.
Figures are illustrative. Maximum LTV varies by lender, product and your full circumstances. Specialist scenarios often have lower maximums.
These figures are illustrative only. They are not a quote, offer or advice. Actual borrowing is subject to full lender assessment and status.
See which lenders fit your loan to value
Check Your EligibilityThink carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.